{"id":237066,"date":"2021-10-19T05:04:14","date_gmt":"2021-10-19T10:04:14","guid":{"rendered":"https:\/\/rgwealth.com\/sin-categorizar\/estrategia-fiscal-temporal-para-cuentas-401k-despues-de-impuestos\/"},"modified":"2025-03-11T11:45:57","modified_gmt":"2025-03-11T16:45:57","slug":"estrategia-fiscal-temporal-para-cuentas-401k-despues-de-impuestos","status":"publish","type":"post","link":"https:\/\/rgwealth.com\/es\/perspectivas\/estrategia-fiscal-temporal-para-cuentas-401k-despues-de-impuestos\/","title":{"rendered":"Estrategia fiscal temporal para cuentas 401(k) despu\u00e9s de impuestos"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row padding_top=\u00bb20&#8243; padding_bottom=\u00bb20&#8243; padding_left=\u00bb16&#8243; padding_right=\u00bb16&#8243;][vc_column][vc_column_text css=\u00bb\u00bb]<\/p>\n<h1>Estrategias fiscales temporales para cuentas 401(k) despu\u00e9s de impuestos<\/h1>\n<p>[\/vc_column_text][vc_column_text css=\u00bb\u00bb]<strong>Cambios en la legislaci\u00f3n que afectan a los planes de ahorro<\/strong>[\/vc_column_text][vc_column_text css=\u00bb\u00bb]La propuesta de cambios fiscales de septiembre del Comit\u00e9 de Medios y Arbitrios de la C\u00e1mara de Representantes incluye muchas modificaciones radicales en los sistemas fiscales sobre la renta, las plusval\u00edas y el patrimonio de nuestro pa\u00eds. Si se promulga tal como se propone, habr\u00e1 varios escollos potenciales que sortear para los hogares con rentas medias y altas. <\/p>\n<p>Para los empleados de empresas que ofrecen un plan 401(k) de ahorro para la jubilaci\u00f3n, hay un cambio potencial especialmente sensible al tiempo en relaci\u00f3n con las aportaciones despu\u00e9s de impuestos, si tu plan las permite.<\/p>\n<p>Casi el 50% de todos los planes 401(k) ofrecen la opci\u00f3n de hacer aportaciones \u00a1Despu\u00e9s de impuestos!  <strong>Est\u00e1s afectado si se te aplica alguna de las siguientes condiciones:<\/strong><\/p>\n<ul>\n<li>Tienes alg\u00fan saldo en la parte despu\u00e9s de impuestos de tu 401(k)<\/li>\n<li>Actualmente realizas o has realizado anteriormente aportaciones despu\u00e9s de impuestos (tambi\u00e9n indicadas como aportaciones anteriores a 87\/posteriores a 86)<\/li>\n<li>Tus ingresos familiares son superiores a 400.000 $ como individuo o 450.000 $ declarando conjuntamente<\/li>\n<\/ul>\n<p>Como ya sabr\u00e1s, por lo general, las personas pueden aportar 19.500 $ a su plan 401(k) a trav\u00e9s de la modalidad Pre-Tax o Roth, con una aportaci\u00f3n adicional de recuperaci\u00f3n de 6.500 $ disponible si tienes m\u00e1s de 50 a\u00f1os. La aportaci\u00f3n de la empresa, si tu empresa realiza una, se realiza sobre un m\u00e1ximo de 290.000 $ de ingresos admisibles para 2021. <\/p>\n<p>Si la suma de las aportaciones anteriores es inferior a 58.000 $ (64.500 $ si tienes &gt;50), es probable que cumplas los requisitos para hacer o hayas hecho aportaciones despu\u00e9s de impuestos a tu Plan de Ahorro. Hist\u00f3ricamente, estas <strong>aportaciones <\/strong>(pero no el crecimiento) pueden traspasarse a una cuenta IRA Roth libre de impuestos, o convertirse a Roth dentro del plan parcialmente libre de impuestos. Una vez en una Roth, <strong>el dinero crece libre de impuestos a perpetuidad<\/strong>. Esto es mucho mejor que dejarlo crecer en la cuenta despu\u00e9s de impuestos, donde el crecimiento est\u00e1 sujeto en \u00faltima instancia al impuesto sobre la renta ordinario.   <\/p>\n<p><u>\u00a1Los cambios propuestos eliminar\u00edan esta estrategia de conversi\u00f3n Roth\/Rollover el 1 de enero de 2022!<\/u><\/p>\n<p>Esto significa que si quieres obtener un crecimiento libre de impuestos en tus aportaciones despu\u00e9s de impuestos, puede que tengas que hacer las modificaciones necesarias antes de fin de a\u00f1o si se aprueba la ley propuesta.[\/vc_column_text][\/vc_column][\/vc_row][vc_row padding_top=\u00bb0&#8243; padding_left=\u00bb16&#8243; padding_right=\u00bb16&#8243;][vc_column][vc_row_inner css=\u00bb.vc_custom_1722952471241{margin-top: 40px !important;margin-bottom: 30px !important;padding-top: 30px !important;padding-right: 20px !important;padding-bottom: 30px !important;padding-left: 20px !important;background-color: #ffffff !important;border-radius: 15px !important;}\u00bb][vc_column_inner][vc_column_text css=\u00bb\u00bb]<\/p>\n<p style=\"text-align: left; font-size: 1.5em;\">\n            <strong>\u00bfNecesitas ayuda?<\/strong>\n          <\/p>\n<p style=\"text-align: left;\">Si quieres que uno de nuestros contables o asesores financieros certificados (CFP\u00ae) te ayude con esta estrategia y c\u00f3mo se aplica a tu caso, el equipo de Rhame &amp; Gorrell Wealth Management est\u00e1 aqu\u00ed para ayudarte.<\/p>\n<p style=\"text-align: left;\">Nuestros experimentados Gestores Patrimoniales facilitan a nuestros valiosos clientes todo nuestro conjunto de servicios, incluida la planificaci\u00f3n financiera, la gesti\u00f3n de inversiones, la optimizaci\u00f3n fiscal, la planificaci\u00f3n patrimonial y mucho m\u00e1s.<\/p>\n<p style=\"text-align: left;\">No dudes en ponerte en contacto con nosotros en <span style=\"text-decoration: underline;\"><a href=\"tel:8327891100\">(832) 789-1100<\/a><\/span>, <a href=\"mailto:service@rgwealth.com\"><span style=\"text-decoration: underline;\">service@rgwealth.com<\/span><\/a>o haz clic en el bot\u00f3n de abajo para programar tu consulta gratuita hoy mismo.<\/p>\n<p>[\/vc_column_text][vc_btn title=\u00bbProgramar una reuni\u00f3n\u00bb style=\u00bbcustom\u00bb custom_background=\u00bb#dd8c03&#8243; custom_text=\u00bb#ffffff\u00bb size=\u00bblg\u00bb align=\u00bbleft\u00bb i_align=\u00bbright\u00bb i_icon_fontawesome=\u00bbfas fa-angle-right\u00bb css=\u00bb.vc_custom_1722952485640{padding-right: 10px !important;}\u00bb add_icon=\u00bbtrue\u00bb link=\u00bburl:https%3A%2F%2Frgwealth.com%2Fget-started%2F|title:Get%20Started\u00bb][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=\u00bb.vc_custom_1722951727630{margin-top: 10px !important;margin-bottom: 10px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 5px !important;padding-bottom: 5px !important;background-color: #f4efe7 !important;border-left-style: solid !important;border-right-style: solid !important;border-top-style: solid !important;border-bottom-style: solid !important;border-radius: 15px !important;border-color: #d6cab8 !important;}\u00bb][vc_column_inner][vc_column_text css=\u00bb\u00bb]\n                \n                    <!--begin code -->\n\n                    \n                    <div class=\"pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper pp-multiple-authors-layout-boxed multiple-authors-target-shortcode box-post-id-230920 box-instance-id-1 ppma_boxes_230920\"\n                    data-post_id=\"230920\"\n                    data-instance_id=\"1\"\n                    data-additional_class=\"pp-multiple-authors-layout-boxed.multiple-authors-target-shortcode\"\n                    data-original_class=\"pp-multiple-authors-boxes-wrapper pp-multiple-authors-wrapper box-post-id-230920 box-instance-id-1\">\n                                                <span class=\"ppma-layout-prefix\"><\/span>\n                        <div class=\"ppma-author-category-wrap\">\n                                                                                                                                    <span class=\"ppma-category-group ppma-category-group-1 category-index-0\">\n                                                                                                                        <ul class=\"pp-multiple-authors-boxes-ul author-ul-0\">\n                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    \n                                                                                                                    <li class=\"pp-multiple-authors-boxes-li author_index_0 author_rgadmin has-avatar\">\n                                                                                                                                                                                    <div class=\"pp-author-boxes-avatar\">\n                                                                    <div class=\"avatar-image\">\n                                                                                                                                                                                                                <img alt='Rhame &amp; Gorrell Wealth Management Logo' src='https:\/\/rgwealth.com\/wp-content\/uploads\/2024\/08\/Rhame-Gorrell-Wealth-Management-Logo.jpg' srcset='https:\/\/rgwealth.com\/wp-content\/uploads\/2024\/08\/Rhame-Gorrell-Wealth-Management-Logo.jpg' class='multiple_authors_guest_author_avatar avatar' height='80' width='80'\/>                                                                                                                                                                                                            <\/div>\n                                                                                                                                    <\/div>\n                                                            \n                                                            <div class=\"pp-author-boxes-avatar-details\">\n                                                                <div class=\"pp-author-boxes-name multiple-authors-name\"><a href=\"https:\/\/rgwealth.com\/author\/rgadmin\/\" rel=\"author\" title=\"Rhame &amp; Gorrell Wealth Management\" class=\"author url fn\">Rhame &amp; Gorrell Wealth Management<\/a><\/div>                                                                                                                                                                                                    \n                                                                                                                                            <div class=\"pp-author-boxes-description multiple-authors-description author-description-0\">\n                                                                                                                                                    <p>At RGWM, we believe that confidence is not something we are given; it is something we earn. Our CFP\u00ae professionals and investment management advisors in The Woodlands work hard daily to gain your confidence and help you achieve your family\u2019s goals both now and in the future.<\/p>\n                                                                                                                                                <\/div>\n                                                                                                                                                                                                    \n                                                                                                                                <a class=\"ppma-author-user_email-profile-data ppma-author-field-meta ppma-author-field-type-email\" aria-label=\"Email\" href=\"mailto:service@rgwealth.com\"  target=\"_self\"><span class=\"dashicons dashicons-email-alt\"><\/span> <\/a>\n                                                                                                                            <\/div>\n                                                                                                                                                                                                                        <\/li>\n                                                                                                                                                                                                                                                                                        <\/ul>\n                                                                            <\/span>\n                                                                                                                                                                                    <\/div>\n                        <span class=\"ppma-layout-suffix\"><\/span>\n                                            <\/div>\n                    <!--end code -->\n                    \n                \n                            \n        [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=\u00bb.vc_custom_1728421117615{padding-top: 20px !important;}\u00bb][vc_column_inner][vc_column_text css=\u00bb\u00bb]<p style=\"text-align: left;\"><strong>IMPORTANT DISCLOSURES<\/strong>:<\/p>\r\nCorporate benefits may change at any point in time. Be sure to consult with human resources and review Summary Plan Description(s) before implementing any strategy discussed herein.\r\n<br>\r\n<br>\r\nRhame &amp; Gorrell Wealth Management, LLC (\u201cRGWM\u201d) is an SEC registered investment adviser with its principal place of business in the State of Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that RGWM has attained a certain level of skill, training, or ability. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own CPA or tax professional before engaging in any transaction.\u00a0 The effectiveness of any of the strategies described will depend on your individual situation and should not be construed as personalized investment advice. Past performance may not be indicative of future results and does not guarantee future positive returns.\r\n<br>\r\n<br>\r\nFor additional information about RGWM, including fees and services, send for our Firm Disclosure Brochures as set forth on Form ADV Part 2A and Part 3 by contacting the Firm directly. You can also access our Firm Brochures at\u00a0<a href=\"https:\/\/adviserinfo.sec.gov\/\" target=\"_blank\" rel=\"noopener\">www.adviserinfo.sec.gov<\/a>. Please read the disclosure brochures carefully before you invest or send money.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row padding_top=\u00bb20&#8243; padding_bottom=\u00bb20&#8243; padding_left=\u00bb16&#8243; padding_right=\u00bb16&#8243;][vc_column][vc_column_text css=\u00bb\u00bb] Estrategias fiscales temporales para cuentas 401(k) despu\u00e9s de impuestos [\/vc_column_text][vc_column_text css=\u00bb\u00bb]Cambios en la legislaci\u00f3n que afectan a los planes de ahorro[\/vc_column_text][vc_column_text css=\u00bb\u00bb]La propuesta de cambios fiscales de septiembre del Comit\u00e9 de Medios y Arbitrios de la C\u00e1mara de Representantes incluye muchas modificaciones radicales en los sistemas fiscales sobre la renta, las plusval\u00edas y el [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":236032,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[114],"tags":[104],"ppma_author":[58],"class_list":["post-237066","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-perspectivas","tag-impuestos","author-rgadmin"],"aioseo_notices":[],"authors":[{"term_id":58,"user_id":8,"is_guest":0,"slug":"rgadmin","display_name":"Rhame &amp; Gorrell Wealth Management","avatar_url":{"url":"https:\/\/rgwealth.com\/wp-content\/uploads\/2024\/08\/Rhame-Gorrell-Wealth-Management-Logo.jpg","url2x":"https:\/\/rgwealth.com\/wp-content\/uploads\/2024\/08\/Rhame-Gorrell-Wealth-Management-Logo.jpg"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/posts\/237066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/comments?post=237066"}],"version-history":[{"count":13,"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/posts\/237066\/revisions"}],"predecessor-version":[{"id":238982,"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/posts\/237066\/revisions\/238982"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/media\/236032"}],"wp:attachment":[{"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/media?parent=237066"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/categories?post=237066"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/tags?post=237066"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/rgwealth.com\/es\/wp-json\/wp\/v2\/ppma_author?post=237066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}